Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT XXXX IS REPORTING THAT I OWE AMERICAN EXPRESS {$1000.00} AND XXXX XXXX {$760.00} WHICH SOMEONE GOT A ACCOUNT IM MY NAME, I SENT THEM A COPY OF MY POLICE REPORT AND ALL SUPPORTING DOCUMENTS THAT IM A VICTIM OF IDENTITY THEFT. ALSO EQUIFAX IS ILLEGALLY REPORTING THAT I HAVE A BALANCE OF XXXX WHICH I DONT, I WROTE MULTIPLE DISPUTES ON THESE ACCOUNTS AND THEY REFUSE TO FULLY VALIDATE THE INFORMATION THERE REPORTING. AT THIS POINT THEY ARE VIOLATING MY RIGHTS SO THIS MY FORMAL COMPLAINT. IM ALSO MOVING FORWARD WITH THE INTENT TO SUE ALSO
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I ordered some boots with my debit card American Express Bluebird on a website that stated it was located in Utah. I got an email from a XXXX company stating that the boots had been sent but I never received them. I got online and traced the tracking number they gave me and it stated that the boots had been sent to XXXX. I live in XXXX. I contacted the seller several times but they did not respond. The website that sold the boots was taken down. It no longer existed. I contacted AMX Bluebird explaining all this to them. They contacted the seller and gave me the tracking number. I went down to the local post office with the tracking number and the post office said that the boots had been sent to another address in XXXX. It was sent to the wrong address. I contacted the seller again and there was no response. I contacted Bluebird and they said that my dispute had been declined because the seller sent the boots. Yet I did not get the boots because they sent them to the wrong address. I was defrauded of my money since the website was taken down, I did not receive my boots and Bluebird did not refund my money. I wrote to the company in XXXX and this is what I wrote : XXXX My name is XXXX XXXX and the item I ordered was for XXXX XXXX to be shipped to my address at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX did not receive my order from XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 Transaction amount : XXXX You sent me an email with tracking XXXX I went down to the local post office in XXXX California where I XXXX XXXX They tracked the tracking number to someone else 's address XXXX XXXX XXXX XXXX, CA. My address is XXXX XXXX XXXX # XXXX XXXX CA XXXX. They sent it to the wrong address instead of the one I gave them. I am continuing my dispute because I never received the item. I paid as a guest through XXXX. I tried to contact the seller by email but they didn't reply. Included is a copy of the email you sent. Regarding the transaction below : Seller 's Name : Seller 's Email : XXXX Transaction ID : XXXX Transaction Date : XX/XX/2021 XXXX PST Transaction Amount : {$63.00} USD
Company Response:
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am Writing to File a Formal Complaint against American Express : They have been a challenge to deal with on 3 main large scale issues : 1 ) Difficulty in getting anyone from any appropriate department to credit back a XXXX membership fee that should have resolved after account closed shortly after opening. Being tossed back and forth between several different departments spending hours and days on the phone. 2 ) Unfair and unethical practices regarding fraud disputes. Rejecting fraud claims from XXXX in XX/XX/XXXXand refusing to credit valid consumer disputes when proof was provided. Automatically charging back {$36000.00} worth of charges at once on 8 different accounts and inaccurate credit reporting showing 350 % over credit limit when the accounts were separated. Harassment and aggression from XXXX XXXX XXXX with unwillingness to work with me to resolve claims. 3 ) Closing all accounts on no formal basis and severely decreasing my credit score with no explanation.
Company Response:
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Paycheck was deposited to my bluebird prepaid card from my job XXXX XXXX XXXX XXXX on XX/XX/2021 and my account was permanently suspended and no one can tell me anything and it has all my money on it
Company Response:
State: IN
Zip: 46052
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Ok, XXXX XXXX file my tax return. They told me that i had three option for receiving the refund. I choice to get the refund put on a American Express Serve card. When the refund was ready i attempted to activate the card. i had problems activating it. So i contacted customer support finally after 10 hour and going to the atm about four times i was able to activate the card. I went to the XXXX XXXX atm located at XXXX XXXX XXXX XXXX, XXXX, LA XXXX and made a {$700.00} dollar withdraw. The next day i checked my balance to see a duplicate charge of {$500.00} dollars taken out. I contacted American Express serve. I filed a dispute on XX/XX/2021. I called and they told me that on XX/XX/2021, i should receive a email with a decision on if they're going to give me temporary credit as the investigation goes on.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: AMEX abruptly canceled two of my credit cards and eliminated all my reward points while denying payback for unused Annual fee. Over {$1300.00} is LOSSES and problem escalated to CEO XXXX XXXX who ignored my direct request for : 1. Arbitration 2. Written transcript of " allege '' comments 3. Reimbursement of LOST reward points, Annual fee, and blue of credit score dropping over XXXX points. XXXX. Cancelation of two Credit Card accounts AMEX XXXX XXXX and Hilton Honor ) XXXX - xxx- XXXX ; Hilton Honor - XXXX ( BOTH accounts closed in XX/XX/2021 XXXX. Unethical to make an accusation and NOT give a 20 year customer any communication or or evidence or opportunity to resolve conflict. CEO Mr XXXX has been notified who once personally thanks me for giving feedback to AMEX and now ignores me complete. AMEX " lower level assistant '' ignore written feedback and won't identify them selves. Elementary and bullying agency after 20 years of commitment.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Dispute reference number XXXX. Amount {$1600.00}. This dispute was opened a couple of months ago. The merchant, XXXX, delivered the items to wrong addresses. When creating the dispute, I provided American Express with documents to substantiate my claim. I clearly pointed out in a summary document that XXXX delivered the items to wrong addresses. My supporting documents also included an invoice showing the correct " ship to '' address in Delaware, a screenshot order of status showing the tracking numbers, and screenshots of XXXX delivery confirmation of every track number showing items were delivered to wrong addresses in other states, such as South Carolina. I also requested an American Express associate over the phone to add note about the XXXX order number to the dispute, and specifically pointed out that this particular transaction under dispute had never been credited back to me ( there were multiple unrelated credits from XXXX of the same amount. American Express had in the past closed my dispute without investigation, quoting that XXXX had already issued a credit. Therefore, I pointed that no prior credit was related to this transaction being disputed ). On XX/XX/XXXX, American Express notified me that they received proof of delivery from the merchant, XXXX and forwarded it to me. American Express also decided to side with merchant by removing the temporary credit. However, I found out that XXXX documents on the contrary substantiated my claim! XXXX documents included an invoice showing the correct " shop to '' address in Delaware, and XXXX delivery confirmation showing items were delivered to South Carolina. I am not sure on what rational ground American Express accepted XXXX response as proof of delivery and sided with merchant. It should not be very hard to reach the right conclusion that XXXX indeed did not deliver the items to me if anyone just spent a minute reading XXXX documents and my documents. There seems to be something missing with the way American Express handles dispute materials. On XX/XX/XXXX, I reached out to American Express and hoped that American Express could just take a look at XXXX documents again. However, American Express replied that they could not review the documents again because the case was closed. They could not re-open the case again either. They could not help me connect with dispute team either. They could not do anything except repeatedly asking me to re-create a separate new dispute and submit everything again. It does not make sense to me that I had to start everything from scratch again for a case that had been dragging on for months so American Express could review the same documents again. I am deeply concerned about XXXX XXXX approach of creating so much friction in a dispute process, likely lack of due diligence in treating dispute materials provided by customers and merchants, and apparent inability to reach a logical and rational conclusion based on the evidence. I am attaching merchant, XXXX 's response materials through this complaint.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2021-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a Amex Delta Gold credit card from link in XXXX website on XX/XX/XXXX, which showed some good welcome offers. After apply the card, I asked the Amex representative online on XX/XX/XXXX and XX/XX/XXXX, and they confirmed I have those offers as showed in AD. While now I finish one of the task to purchase XXXX ticket using that credit card, Amex didn't give me {$200.00} credit as they promised. I complained to Amex online, they told me in the application proceed, they showed me a message that I cannt get those offers, I agree that I saw that message, but I didn't understand it totally and just think it is not important so click next to continue the application. After application, I asked twice online to confirm the welcome offers, their representative told me Yes I have ( Attached chat screenshot ), now they declined me just because they noticed me before while I didn't understand it. I think the last decision from their representative should be the final decision. Their manager told me someone will help solve this problem in 48h, while no one contact me after 72h. I have no choice, so submit complaint here to get some help.
Company Response:
State: PA
Zip: 15213
Submitted Via: Web
Date Sent: 2021-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up through American Express ' website on XX/XX/2021 when they were offering {$300.00} if {$3000.00} were spent in the first 6 months of opening a Blue Preffered card as well as XXXX $ annual fee for the first year. I was charged a XXXX $ account fee the first month. I filed a complaint, they refused to refund it with zero evidence the offer every changed. I provided cached web pages of theirs prior and after with the same offer. Third parties with the same offer. The customer service manager agreed with me on a phone call that the ruling did not make sense. Yet, they refused to offer a refund of the fees. I know the XXXX $ intro was there as I wanted to test if I would spend enough he first year to make the card worth it the next, or I would not have signed up.
Company Response:
State: NJ
Zip: 08610
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been a customer of American Express since XXXX. The problem I encountered was with the autopay system. I have always used autopay and month-over-month nothing had changed with my autopay settings, yet XX/XX/XXXX I was charged a late fee and interest for a processing issue American Express had with my auto-payment. Again, the account my auto-payment had been setup with did not change, there were not insufficient funds, and actually looking at my transaction history, the auto-payment was debited on from my checking account when the payment was due on XX/XX/XXXX. On the American Express website, it shows that the payment had been processing since XX/XX/XXXX ( and it still shows being processed ) but American Express didn't flinch at the chance of slapping me with a late fee and interest even though their systems were to blame. I've been using autopay for years now and have never had this issue. Multiple customer service representatives calmed my nerves by telling me this never happens or rarely happens but it has me hesitant to trust their autopay feature or I might have to spend another hour of my time trying to remedy the system bug I had to deal with. Additional Note : I was on chat for so long that I was logged that I got logged off and when I logged back on to reconnect with the customer service representative I was working with, chat failed to load which forced me to call in and re-explain the issue I was having.
Company Response:
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A